CASHLESS POLICY CHARGES DEFERRED TILL OCTOBER 1ST, 2013

 

The Central Bank of Nigeria has deferred the implementation of Cashless Policy charges on lodgments and withdrawals in Federal Capital Territory (Abuja), Abia, Anambra, Kano, Ogun and Rivers States so as to allow customers adjust to the new policy. 

The charges stated below would now take effect from the 1^st of October, 

 2013.

	Deposit	Withdrawal
Individual	2% on excess	3% on excess
Corporate	3% on excess	5% on excess

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13 teenage Chinese prostitutes arrested in an apartment in Ikeja, Lagos

On Emina Crescent, off Toyin Street, Ikeja, 13 teenage Chinese prostitutes have been arrested and detained by the Nigerian Immigration Service following a raid of their base.
The young girls were said to have been brought in for the sake of Politicians, business executives and expatriates to hire for s*x at the cost of between $1,000 and $2,500. The dirty business was said to have been run by Sun and Yin Li.

The couple running the business, alongside the other girls are said to be in hiding now as only 13 girls were successfully picked up from the scene.
The arrest was confirmed by the NIS spokesman, Joachim Olumba, who said the girls are in their custody. He also said they are on the trail of the kingpin of the s*x ring. And after investigations, they will either deport the girls or hand them over to their embassy here in Nigeria for appropriate action

Nelson Mandela wrote a will on a single sheet of A4 paper stating where he wishes to be buried

Nelson Mandela wrote a will on a single sheet of A4 paper in which he asked to be buried on a remote hillside in his ancestral home of Qunu, it has emerged.
The former South African president, 94, remains in a critical but stable condition in hospital in Pretoria where he has spent the last 21 days being treated for a lung infection.
In January 1996, while still serving as president, Mr Mandela reportedly drew up a rudimentary will in which he asked for a simple burial close to the village where he grew up on the Eastern cape.

Burial wishes: Former South African leader Nelson Mandela reportedly drew up a will on a piece of A4 paper asking to be buried in his ancestral homeland

He said that while he would be happy with a state memorial service in Pretoria he wanted to buried in the family plot with just a simple headstone to mark the site of his grave.
The South African Mail and Guardian reported a long-standing family friend as saying: ‘He never gave death a great deal of thought, but he never wanted anything fancy’.
Despite the fact that sales of Mr Mandela’s book Long Walk To Freedom, and artworks bearing his name, had earned him millions in royalties his will was reportedly presented on a single sheet of A4 paper.

Homeland: Mr Mandela asked to be buried under a smile stone marker on a remote hillside in Qunu

Wishes: South African President Nelson Mandela’s house in Qunu. According to family friend the anti-apartiied leader ‘never wanted anything fancy’

Women prepare food on an open fire ahead of a wedding taking place on Saturday near former South African President Nelson Mandela’s house in Qunu

According to South Africa’s national broadcaster SABC, the question of Mr Mandela’s final resting place has this week sparked a bitter family feud.
Mr Mandela’s oldest daughter, Makaziwe, and 15 other family members have pressed a court application to get Mr Mandela’s grandson to return the bodies of three of Mr Mandela’s children to their original graves in Qunu.
The grandson, Mandla Mandela, acknowledges having reburied the three bodies 13 miles away in the Mvezo village, where he plans to create a Mandela shrine, hotel and football stadium.
Mandla Mandela has until tomorrow to respond to the court filing, reports said.

Feud: Mr Mandela’s oldest daughter, Makaziwe (left) has gone to court to get Mr Mandela’s grandson Mandla (right) to return the bodies of three of Mr Mandela’s children to their original graves in Qunu

Nelson Mandela built his retirement home in Qunu and was living there until his repeated hospital stays which started at the end of last year.
The anti-apartheid leader attended the burial of his son at the family plot in Qunu in 2005, and it was widely expected that the leader himself will be buried there.
But his grandson exhumed the bodies of Mr Mandela’s three children and moved them to nearby Mvezo, which is the former president’s birthplace and the grandson holds authority as chief.
Eldest daughter Makaziwe and other Mandela family members want the family bodies returned to their original graves in Qunu, according to the reports.

Barack Obama and First Lady Michelle Obama pose with South African President Jacob Zuma and his wife Tobeka Madiba Zuma, today. The U.S. President is due to meet with members of Mr Mandela’s family

Today U.S. President Barack Obama and First Lady Michelle Obama are due to meet with family members but they will not visit Mr Mandela in hospital.
‘Out of deference to Nelson Mandela’s peace and comfort and the family’s wishes, they will not be visiting the hospital,’ the White House added in a statement.
Yesterday Mr Mandela ex-wife said his condition had improved.
Winnie Madikizela-Mandela told reporters: ‘I’m not a doctor but I can say that from what he was a few days ago there is great improvement’.
Ms Madikizela-Mandela pleaded with the media to ‘understand the sensitivities and the feeling of the family’

2015: I Could Be PDP Presidential Flag Bearer – Lamido

Much touted presidential hopeful and Governor of Jigawa state, Alhaji Sule Lamido, has declared that the Peoples’ Democratic Party (PDP) is a large party and anyone of its members can become President in 2015.
Lamido, who is widely believed to be nursing a presidential ambition in 2015, was speaking in an interview with Channels Television where he narrated his chances of clinching the PDP ticket for the forthcoming general elections.

He said, “Anybody in the PDP can become the President,” adding that “It can be me; it can be Jonathan or anybody”.
Lamido, a former Minister of Foreign Affairs in the Olusegun Obasanjo administration, also restated his firm belief in the democratic tenets of nomination just as he said it will be selfish and arrogant of him if he declares such an ambition without the essential nomination by his people.

Lagos-Ibadan Expressway Reconstruction To Cost N160.7bn

Onolememen

The reconstruction of the Lagos-Ibadan Expressway will cost the Federal Government N160.7bn.
This figure was disclosed to our correspondent by the Senior Special Assistant to President Goodluck Jonathan on Public Affairs, Dr. Doyin Okupe, in an exclusive interview in Abuja on Tuesday.
Okupe said the road would consist of three lanes on either side from Lagos up to the Sagamu interchange, and two lanes from there up to Ibadan.
He also said that there would be a flyover and inter-change at the Redemption Camp of the Redeemed Christian Church of God to solve the traffic gridlock on that portion of the road.
Okupe said, “The Lagos-Ibadan Expressway was awarded on Monday at a total cost of N160.7bn.
“The multi-lane road project, which will be handled by Julius Berger Construction Company and the RCC, will consist of three lanes on either side up to Sagamu junction, and two lanes up to Ibadan as well as a flyover and inter-change at the Redemption Camp to solve the perennial traffic gridlock on that portion of the road.”
He promised that the Federal Government would pay attention to the road, which he described as major.
Okupe also said the contractors had started mobilising to the site, adding that the government was determined to solve the crises on the road once and for all.
“Government is serious on infrastructure. You can see that major roads like the Kano-Maiduguri, Benin-Ore, Abuja-Lokoja, Owerri-Onitsha, Katsina-Daura and East-West roads and many others are being rehabilitated or reconstructed. The second Niger Bridge has been given out on concession and work is in steady progress,” the presidential aid said.
It will be recalled that the Minister of Works, Mr. Mike Onolememen, told journalists on Monday that the contract for the reconstruction of the Lagos-Ibadan Expressway had been awarded to Julius Berger and RCC.
He, however, did not disclose the cost of the project.
Like the minister, Okupe also did not disclose the duration of the project.

Over 30 Killed In Plateau, While Jang Struggles For NGF Power In Abuja

Gov. Jonah Jang

By SaharaReporters, New York

While Governor Jonah Jang is in Abuja struggling for leadership of the Nigeria Governors Forum (NGF), more than 30 people have been killed this week in the Langtang area in a new wave of attacks by Fulani gunmen.

Humanitarian workers in the area told SaharaReporters that the attacks have been on since Tuesday in Karkashi, Magama and Bolgan of Langtang South local government area with headquarters in Mabudi.  The area is said to be the resettlement ground for veterans of the Second World War.  It is also the home of Taroh, Ngas, Kwallah, Youm, Montol, Goemai, and Mwaghavul ethnic groups who are the targets of Fulani gunmen.
The humanitarian workers said that houses and food barns have been burnt to ashes in the attacks, while the seriously injured were rushed to the Jos University Teaching Hospital and other nearby hospitals.
The attacks have come as Governor Jang remained in Abuja playing President Goodluck Jonathan’s stooge in his political feud with Governor Rotimi Amaechi of Rivers State, jostling over his illegitimate claim to being chairman of the NGF.  Jang was defeated in the election to that position by 19 votes to 16 but with Mr. Jonathan’s support, has continued to pose as chairman.
Last year, Gen. Jeremiah Useni, who is from Langtang, accused Jang of being problem of the state, saying, “The state governor, Jonah Jang, is not doing anything to allay the fears of every citizens in the state. Some feel marginalized; some are called all sorts of names.  The problem is the Constitution giving all the powers to one man who refuses to cooperate; there is nothing we can do. He is not relating to people, the Berom themselves are divided—we have the Du versus other Beroms. Then you have the non-Beroms including Hausa-Fulani and ourselves, we are not Beroms.  One expects that as a governor of a state, everyone should be yours irrespective of tribe and other affiliations because everyone voted for you. So you cannot be a Berom governor or Hausa governor, everybody must be treated equally, failure to do that is inviting anarchy.
Useni lamented that civil servants were not being paid, pointing out that even in the local government administrations, some workers were being owed as much as four months and when they were paid, were given only half their salaries.
“Jang is not capable of running the state unless he changes his heart,” Useni said. “Don’t forget that there was a time the state was in turmoil for eight days. He was in India, sitting down there. He didn’t rush down and there have been many cases like that. When you advise him, he doesn’t listen to advice and when he was asked why he doesn’t take advice, he said he doesn’t have to take advice from anybody. How do you expect a governor to say that? Who doesn’t take advice, no matter how wise or clever you are? Even (the Biblical) King Solomon used to take advice.”

PHOTONEWS: Gov. Amaechi And President Jonathan Warm Up To Each Other

PHOTONEWS: Gov. Amaechi And President Jonathan Warm Up To Each Other At Port Harcourt International Airport

By SaharaReporters, New York

A few days after bodyguards of Mr. Jonathan prevented Rivers State governor Chibuike Rotimi Amaechi from shaking hands with him at a presidential dinner last week in Abuja. Amaechi met President Goodluck Ebele Jonathan at the Port Harcourt International airport today and both embraced each other in the presence of a faction of the People's Democratic Party (PDP) led by a junior minister of Education, Nyeson Wike at the airport.

Mr. Jonathan was on his way to Abuja from Bayelsa  state where he commissioned a hospital and visited the federal university at his Otueke village.

Kudirat's Murder: Plot to Free Al Mustapha Revealed

Kudirat's Murder: Plot to Free Al Mustapha Revealed: Former NBA President, Ibori Judge, Step In

By SaharaReporters, New York

Two critical characters from the hallways and byways of injustice in Nigeria have quietly stepped into the case of convicted Major Hamza Al-Mustapha, the once powerful Chief Security Officer to late dictator General Sanni Abacha.
Observers say their task is to set Mustapha free and frustrate the course of justice for slain democracy heroine, Kudirat Abiola.
Last May, Justice Ibrahim Saulawa, the lead judge of the Court of Appeal in Lagos withdrew from the appeal instituted by Al Mustapha citing personal reasons, but sources said he was miffed by  a high level of interference in the case.
The judge withdrew before the court registrar could announce that  a former President of the Nigeria Bar Association (NBA), Joseph B Daudu (SAN) was becoming the lead counsel. Sources told Saharareporters that Mr. Daudu had quietly taken over the lucrative deal of representing Mustapha.  Next, Appeal Court judge Amina Augie, stepped in as the lead judge in the case on June 10, she took the briefing of mr. Daudu and reserved her ruling on the matter indefinitely.
Observers told SaharaReporters the deadly combination of Justice Augie and JB Daudu seems targeted at saving Mustapha's case and possibly freeing him of culpability for the killing of several pro -democracy activists with the aid of killer squads that were assembled and funded through his office during the Abacha years.
Daudu is no stranger to such jobs: he was the prosecutor handpicked by late General Abacha who served his government in the kangaroo trial of Ken Saro-Wiwa and 8 Ogoni activists, leading to the hanging of the activists on November 10, 1995.
Both Daudu and Augie were also later involved in the conspiracy to free former Delta State governor James Ibori from his first corruption trial in Kaduna in 2008. As the lead judge in the Kaduna Division of the Court of Appeal, it was Justice Augie who ruled that the former Delta state governor be returned for trial in the jurisdiction where he committed the offense of fraud, namely, his home state. That ruling paved the way for the Delta State government and the Federal High Court to collaborate to set up a kangaroo court headed by Justice Marcel Awokulehin. The Federal High Court Asaba was paid for, furnished and staffed by Ibori’s cousin, Governor Emmanuel Udughan. The court didn’t waste time in clearing Ibori of all 170 charges of corruption filed by the Economic and Financial Crimes Commission.
It would be remembered that Ibori then became a free man, and was only forced to account for his crimes after he fled to Dubai, from where he was extradited to the United Kingdom for trial.  To forestall possible humiliation in the Court of Appeal, Justice Augie had been posted ahead to the Benin Division to prepare to deliver Ibori before the former governor took matters into his own hands and slipped away to Dubai.
 Al Mustapha and James Ibori served general Abacha in deadly capacities during his terryfying reign. With Ibori reportedly involved in the killing of Pa Alfred Rewane, the main financier of the National Democratic Coalition (NADECO). After Al Mustapha was arrested and detained for murder Ibori took over the upkeep of his family while he was governor Delta State.
A legal source in Lagos told SaharaReporters that the bizarre nature of the current trajectory of the Mustapha case is that Mr. Daudu, when he represented the son of the late dictator, Mohammed, in the same case during the Olusegun Obasanjo years had pleaded before the Supreme Court that Mustapha was the person responsible for Kudirat's death.  At that time, of course, he was serving as the counsel to Abacha's son.
After much wheeling and dealing in that case, a five-man panel headed by Justice Alpha Belgore ruled that the mere presence of Abacha's son at the time that Al Mustapha handed guns for the killing of Kudirat was not sufficient reason to find him guilty.  He was set free, leaving Al Mustapha to answer to the crimes alone.
However, a minority ruling by Justice Akintola Olufemi Ejiwunmi described the majority judgment by Belgore as a tyranny of the majority. It held that Abacha son gave the killers of Kudirat Abiola $10k each to flee the country and that he ought to be held culpable.
Also of great importance is that Sergeant Rogers, a key character in the killings of that era who is now paralyzed, did confess at the Oputa panel that it was Al Mustapha who killed Kudirat.
All of the secret maneuvers to free Al Mustapha from the hangman's noose were kept away from the public until SaharaReporters investigations began to yield fruit.
On 30 January 2012, Al Mustapha was sentenced to death by a Lagos High court judge over the 1996 daylight assassination of Alhaja Kudirat Abiola, the wife of the acclaimed winner of the June 12 1993 election.

Three Stewards Fired Over Missing $250,000 Akpabio's Loot

Three Stewards Fired Over Missing $250,000 Akpabio's Loot At The Akwa Ibom Governor's Lodge in Abuja

Governor Godswill Akpabio

By SaharaReporters, New York

Three stewards working in the Akwa Ibom state governor's lodge in Asokoro, Abuja was on Friday summarily dismissed by the governor, Godswill Akpabio, over missing bundles of mint fresh dollars valued at over  $250,000 (N40 million) kept in the governor's bedroom.
The governor who reportedly issued the instruction to dispense with the services of the political appointees personally found out on Wednesday during his visit to Abuja that four bundles of the foreign currency he left in his bedroom had been stolen while he was gone to a dinner with president Goodluck Jonathan at the Aso Rock Villa.
Saharareporters gathered that the bundles dollars kept in the drawers  in the governor's bedroom were the leftovers from a trough of hard currency stashed away in a private security safe.
The governor reportedly expressed surprise that despite the near impregnable security in the lodge, coupled with the fact that the locks to that section of the lodge, including the governor's bedroom,  are routinely changed each time such heavy cash is brought in, the money could still disappear in the manner it did.
Though it could not be established firmly if the three steward were   responsible for the missing cash, it was gathered that they may have been given the boot for apparent negligence in allowing the real culprits to gain access to the otherwise restricted area of the lodge.
A source close to the lodge said more heads might roll as investigations are ongoing to find out the identities of the other culprits involved in the theft of Mr. Akpabio's cash haul.
According to the source, who pleaded anonymity, for fear of being victimized, accusing fingers are being pointed at  Maria Ekpekong another staff member at the lodge who is  the governor's senior special representative  in charge of the overall management of the lodge.
It was gathered that pilfering of huge cash in the lodge has become a recurring event. A few years ago, the governor removed all the civil servants deployed to work at the lodge and replaced them with political appointees and other private consultants he thought could be trusted.
In one  instance, it was learnt that after bundles of cash disappeared
under similar circumstances, the burglary proof and window protectors around the governor's apartment were changed sometime last year after the perpetrators broke through the ceiling to gain access to the room where cash was stacked in 'Ghana must go' bags.
Governor Akpabio frequently doles out state cash to buy political patronage and favors from various sectors of the Nigerian society.
Governor Akpabio is reckless with state funds, sometimes paying huge sums of money to buy himself awards  both at home and abroad. is trying to keep this incidence under wraps, our sources say.

CENTRAL BANK OF NIGERIA'S CASHLESS POLICY EXTENDS TO SIX MORE STATES.

Central Bank of Nigeria's (CBN) cash-less policy will commence in the Federal Capital Territory (Abuja), Abia, Anambra, Kano, Ogun and Rivers States effective July 1, 2013.

The cash-less policy, which is currently operational in Lagos State, aims at reducing the amount of physical cash circulating in the economy, and encouraging more electronic-based transactions (payments for goods, services, transfers, etc.).

This policy will drive development and modernization of payment system within these States as all individuals and corporates will be encouraged to adopt electronic payment and banking options.

The following modalities will thereby apply in the above mentioned States from July 1, 2013:
 

• 1. The cash-in-transit lodgment and cash evacuation services will no longer be available to customers or merchants.
• 2. 3rd party cheques above N150,000 shall NOT be eligible for encashment over the counter. Value for such cheques shall only be received through lodgments into customer's account.
• 3. For individual account holders, charges will apply when daily withdrawals and deposits are in excess of N500,000
• 4. For corporate account holders, charges will apply when daily withdrawals and deposits are in excess of N3,000,000

Please find the applicable charges below:

 

	Deposit	Withdrawal
Individual	2% on excess	3% on excess
Corporate	3% on excess	5% on excess

Kindly note that the above limits apply so far as it involves cash, irrespective of channel i.e over the counter, ATM, 3rd party cheques cashed over the counter etc. For example, if an individual withdraws N450,000 over the counter, and N150,000 from the ATM on the same day, the total amount withdrawn by the customer is N600,000, and the service charge will apply on N100,000 - the amount above the daily free limit of N500,000

Exemptions have however been granted on lodgments and withdrawals for accounts operated by Embassies, Diplomatic Missions, Multilateral Agencies, Aid Donor Agencies, Ministries, Departments and Agencies of Government (revenue collections only), Microfinance Banks (MFBs) and Primary Mortgage Institutions (PMIs).

For a seamless transition to a cashless economy, GTBank has made several safe and convenient alternative channels available for personal and business banking.

You may visit the site at www.gtbank.com to know more about the available banking channels (ways to bank)

 Let us know if the info is useful.

5 Things To Observe Before going to BED

Five things to observe before sleeping

1 – DON’T SLEEP WITH WATCHES Watches can emit a certain level of radioactivity. Though small, but if you wear your watch to bed for a long time, it might have adverse effects on your health.
2 – DON’T SLEEP WITH YOUR BRA ON Scientists have discovered those that wear bras for more than 12hours have a higher risk of getting chest cancer. So go to bed without it.

3 – DON’T SLEEP WITH YOUR PHONE Putting the phone beside your bed or anywhere near you is not encouraged. Though some of us will use phones as alarm clocks, but please put the phone as far as possible. Scientists have proved that electrical items including mobile phone and television sets emit magnetic waves when used. These waves can cause disruptions to our nervous system. Therefore if you need to put your mobile phone near you, switch it off first.

4 – DON’T SLEEP WITH MAKE UP ON People who sleep with make up might have skin problems in the long run. Sleeping with make up will cause the skin to have difficulty in breathing and problem in perspiring. You will also need a much longer time to go into deep sleep. Lastly & most importantly,

5 – DON’T SLEEP WITH OTHER PEOPLE’S WIFE/HUSBAND What goes round comes around!!..

Download Nigerian Constitution App directly on your Mobile Phone!

Download Nigerian Constitution App directly on your Mobile Phone!
 

The Nigerian constitution for all project is an initiative to help tackle the knowledge gap prevalent amongst citizens by making the constitution easily accessible to Nigerians via their mobile devices (including feature phones). An earlier version of the constitution app was successfully released in early 2011, which has received over 80,000 downloads to date.

Know Ur Rights, be a responsible Citizen. Download the Nigerian Constitution App directly on your Mobile Phone. Visit: http://tinyurl.com/plup8qp for more info!


Let us know is this information is useful by making your comment.

Thanks

Convert Ur Local Currency to Foreign Currencies!!!!

Good News here for you!

Have you been disturbed on how you can calculate any of local currency of a particular country to another country currencies?

Convert any of Ur Local Currency to Foreign Currencies!!!! Follow d link..

click here:- Currency Converter - Google Finance

101 WAYS TO MAKE LOVE WITHOUT HAVING SEX!

 101 WAYS TO MAKE LOVE WITHOUT HAVING SEX!

• porate Gift
• Health
• The Days
• Wen

 “If you and your girlfriend or boyfriend had decided to postpone sexual intercourse, how would you let the other person know you loved him or her?” Here’s what they said:

1. Tell her “I love you”.
2. Hug him.
3. Kiss her.
4. Send flowers.
5. Hold hands.
6. Have deep, meaningful conversations.
7. Treat each other nice.
8. Smile at each other.
9. Write poems to each other.
10. Dance together.
11. Talk about your feelings.
12. Discuss problems.
13. Just be together.
14. Take him or her out.
15. Tell her “I don’t want to be with anyone else”.
16. Go to a drive-in.
17. Ask how she’s feeling.
18. Sort out disagreements.
19. Give each other a back rub.
20. Let him do your hair.

21. Put up with his friends.
22. Go to a concert together.
23. Give each other gifts.
24. Play pool together.
25. Observe the stars together.
26. Share some of the same hobbies.
27. Kiss him on the ear.
28. Whisper that I love him.
29. Be nice to each other.
30. Give a token from the heart.
31. Visit his or her mother.
32. Write love letters.
33. Call him or her just to say “hello” or “good night”.
34. Play footsie.
35. Blow her kisses.
36. Give her a ring.
37. Take her someplace meaningful or special.
38. Have a romantic picnic in the park.
39. Show my affection.
40. Talk about the reasons for our decision to wait to have sex.
41. Buy him nice things.
42. Go swimming together.
43. Go hiking together.
44. Be her best friend.
45. Sit and talk for a long time.
46. Be close.
47. Share thoughts.
48. Kiss her neck.
49. Sing her a song.
50. Do the things you used to do.
51. Ask to be with her more.
52. Build a stronger relationship.
53. Do her housework.
54. Communicate.
55. Tell her you care.
56. Caress each other.
57. Stick up for him if he gets in trouble.
58. Be sensitive.
59. Tell her I’ll always be there for her.
60. Listen.
61. Go out of the way for each other.
62. Go camping.
63. Tell her I appreciate how she treats me.
64. Respect each other.
65. Buy him something sentimental.
66. Carry her books home from school.
67. Never let him go.
68. Take a walk together.
69. Go to a party.
70. Cook for each other.
71. Just touch each other.
72. Leave a little love note in his mpocket.
73. Dedicate our favorite song on the radio.
74. Speak the language of love – French– to him.
75. Tell her the longer you wait, the better it will be.
76. Arrange a date where we first met.
77. Watch him compete in a sporting event.
78. Spend the day at a carnival.
79. Eat at a romantic restaurant with elegant music and a dance floor .
80. Do homework together.
81. Slip a note into her notebook.
82. Treat her like a queen.
83. Pay attention to her likes and dislikes.
84. Make sure he’s comfortable.
85. Send him a card.
86. Draw a heart on a tree and put both names in the middle.
87. Call her every night.
88. Hold each other close.
89. Trust him.
90. Support each other.
91. Go for a drive.
92. Take him skiing.
93. Sit really close while watching a movie.
 94. Make him a present.
95. Take care of him when he’s sick.
96. Carry pictures of each other.
97. Cuddle.
98. Go to a sports event together.
99. Watch a sunset together.
100. Be faithful.
101. Share secrets.

REMEMBER: The safest sex is NO sex; if you do have sex, always use a condom correctly as
protection from sexually transmitted diseases.


I hope this information is useful to someone ?


Thanks

CBN Policy On Cashless Economy!

CBN Policy On Cashless Economy
Dear Readers, This is to inform, educate and enlighten you on the maximum amount of over-the-counter cash withdrawal for third-party cheques of N150,000.00 in all banks presently operational in Lagos has been extended nationwide effective June 1, 2013 for individual and corporate accounts The CBN cashless policy however, will commence in the Federal Capital Territory (Abuja) and five other states namely: Abia, Anambra, Kano, Ogun and Rivers effective July 1, 2013. Consequently, the following modalities will be applicable to cash transactions in the above locations from July 1, 2013. * The maximum daily cumulative cash transactions (withdrawals and deposits) by individual and corporate accounts would be N500,000.00 and N3,000,000.00 respectively. Penalty will be charged as follows for amounts above the limits: S/N Class Withdrawal  Deposit 1 Individual 3% 2% 2 Corporate 5% 3% * All Banks will no longer be allowed to render cash-in-transit (CIT) services to customers. However, customers requiring cash pick up services are advised to liaise with the CBN approved CIT companies. * Exemption has been granted on lodgments and withdrawals for accounts operated by Embassies, Diplomatic Missions, Multilateral Agencies, Aid Donor Agencies, Ministries, Departments and Agencies of government (revenue collections only), Micro finance Banks (MFBs) and Primary Mortgage Institutions (PMIs). I hope this information is useful ? Thank you.

BULKSMS RESELLER SECRETE REVEALED! PAY N0.00k TO GET IT!

BULKSMS RESELLER SECRETE REVEALED! 

PAY N0.00k TO GET IT!

DO NOT PAY FOR THIS SECRETE I WANT TO REVEAL UNTIL I'M ABLE TO CONVINCE YOU

Do not pay for what you can get for free! 

Stop listening to those that says you should pay a certain amount of money (N1, 500 - N3, 000) for seminar fee before they can show you how to go about it. You know what amazes me is, some of them are not even the one to give you the info but they just want to collect your money all in the name of providing you with necessary steps to go about it. 

Anyway, thank God that you are meeting a fearful and truthful fellow. All I need from you is your attention. I don't need your money for now! May be when you are convince enough you will realize what I'm try to tell you.

BulkSMS Business is a business that is selling now even more than the recharge card people are shouting. All you need in starting the business is yourself. When I say yourself, I mean you been ready to start the business and later think of how you are going to go about it. The marketing strategy and all that, facebook advert, newspaper and any channel you can think of. 

You don't really need much for the business. You need just  between N15,000 - N20,000 to  start the business which will include your complete website like this www.mysmsnaija.com  and. mysmsnaija.com website has what is called GSM generator which gives you access to phone nos of people living in Nigeria irrespective of their location. It generates the nos from the East, South, North and Western part of the nation.

You will need a bank account which is also very important for your customers to make pmt in. A phone that can browse as well is also needed for your use to make order to your clients when they make pmt on your account and you might have gotten alert on your phone.

Honestly speaking, you are smiling to the bank every weekend if you are able to do all I highlighted out to you.

You will be buying the SMS from my company which is Global Affirmative Computer Enterprises which owns the two SMS sites www.mysmsnaija.com 

We will sell the SMS to you for the price of a reseller @ N1.40k for SMS unit as low as 10,000 units. It means you will multiply the N1.40k by 10,000 unit which gives you N14,000 to get the 10,000 unit which you are suppose to buy for N19, 500 if you are not our reseller. As times goes on, we'll reduce the price for you when you hit certain Unit like 500,000 units then the price comes down to like N1.38 or N1.35.

If you are interested, get up right now and make a move by making pmt to our accounts. A/c Details as follows:

Account Name: Global Affirmative Computer Enterprises 

 Zenith: 1012692698 
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When you are done, notify us by sending mail to:- info@mysmsnaija.com

NB: U'll need to provide us with the domain name u want for the BulkSMS site, two names at least so we can search if available.

To get in contact with me call: 08056206907, 08080477012 or send mail to: noibitheprofessor@yahoo.com,  info@mysmsnaija.com ,

 

I will be glad to pick up ur calls but please, do not flash. 

 

I hope the information is helpful?

Thanks for reading!!!

 

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JOB ORAL INTERVIEW TIPS

JOB ORAL INTERVIEW TIPS You have been invited for an interview, and you are in cloud nine. You were able to pass the written test despite the array of intimidating fellow applicants. One more major river to cross After the euphoria has died down, first and foremost, read the letter again, and note the salient points. Make sure that you have everything they are asking for (e.g. originals of certificates, or original of “To Whom It May Concern”, if you are yet to get your certificate.

Then find out as much as you can, about the company. You can use your network to link up with someone who works there, who will give you information about the company, and the position you are to be interviewed for. Keep it at the back of your mind your employer has a need, which is why there is a vacancy in the first place. He is looking for someone to meet that need, to fill that vacancy or void.

You have to be convinced that you are the person he is looking for. If you exude that confidence, the panel will pick it, and you are in business. If you are jittery and not sure of yourself, you will fall be the wayside. So find out what the job is about, what the need is. Then come up with a solution. Become an asset. The background information you garner about the company will stand you in good stead in proffering solutions, and discussing the company knowledgeably. Before applying for the position, you would have made sure that you are suitably qualified for the post. Dress smartly and corporately for the interview. Dress formally. Don’t overdress, or wear something that is uncomfortable which causes you to fidget and shift in your seat. Be well prepared, with your credentials intact. As you come in, greet the members of the panel courteously, and wait to be shown to your seat. Don’t be too forward. More! All clothes should be neatly pressed. Conservative two-piece business suite (solid dark blue or gray is best) Conservative long-sleeved shirt/blouse (white is best, pastel is next best) Clean, polished, conservative shoes Clean and well-groomed hairstyle Clean, trimmed fingernails Minimal cologne or perfume Empty pockets – no noisy coins No gum, candy or cigarettes Men Necktie should be silk with a conservative pattern Dark shoes (black lace-ups are best); clean and polished Dark socks (black is best) Short hair always fairs best in interviews No beards – mustaches are acceptable (keep neat and trimmed) No earrings No heavy cologne Women Always wear a suit with a jacket; or a sheath dress with a jacket Do not wear extremely high-heeled or platform shoes Do not wear open-toe shoes or mules (they are more casual) Conservative hosiery at or near skin color (and no runs!) If you wear nail polish (not required), use clear or a conservative  color One set of earrings only Conservative makeup No heavy perfume No heavy cologne

TIPS FOR PREGNANT WOMEN

TIPS FOR PREGNANT WOMEN

Tips For Pregnant Women

      Pregnancy is a time of great joy and excitement, yet also a time of stress and uncertainty.  It is easy to feel unprepared and overwhelmed.  It is helpful to know that all pregnant women feel this way, especially with their first child.  I am by no means an expert on pregnancy, but I have had three successful pregnancies leading to three wonderful children, an ectopic pregnancy and a miscarriage, so I have had some experience with the ups and downs of pregnancy.  I would like to share with you some tips on pregnancy.

 

Diet

     If you are pregnant, you may be having a difficult time with eating.  You may be off your regular eating and exercise routine and find yourself eating more.  During the early months, you may find that you have aversions to particular foods and maybe the idea of food makes you nauseous, especially specific foods.  If you are feeling nauseous, you may want to try to start your day with some breads and crackers just to get something in your stomach.  For me, personally, I had morning sickness with all three of my kids.  The only problem was that it was not just "morning" sickness.  It could and did happen morning, afternoon, and evening. The best thing that I could find for this problem was just trying to keep something in my stomach.  I ate a lot of crackers.  I am a teacher, and I just had to snack on crackers throughout the day just to keep the stomach under control.  I also found that I could not stand the smell of turkey, which was a food that I usually ate daily.  You will also notice that your sense of smell is enhanced during pregnancy, and certain smells can make you nauseous.  For me, the smell of vanilla candles made me sick to my stomach, and it actually took me a while to get over that.  It still brings me back sometime to that nauseous feeling even today.  These food and smell aversions will happen; nearly every mother can tell you about hers.

     Be sure to get enough to eat.  You should be consuming around 300 additional calories per day.  With this said, keep this in mind.  This is not a doubling of your food intake.  It is about 1/4 more than what you usually eat.  However, if you normally exercise daily when you are not pregnant, but now that you are pregnant, you are not exercising, this makes a difference.  If you are not exercising, you are not burning as many calories, so you may not need to eat as much as you think.  When you are at the doctor's office, you will be weighed.  Keep careful track of your weight.  Some women gain a lot of weight during pregnancy, and if you are okay with this, then fine.  I know from experience though, that it is very hard to get rid of that weight after having a baby.  Doctors really like for you to gain about 25 - 30 pounds over the course of the pregnancy. 

     The foods you eat are important.  You need to make sure you get plenty of protein.  Eat plenty of veggies, fruit, yogurt, and whole grains.  Try to avoid the junk food.  Avoid caffeinated drinks like soda, coffee, and hot cocoa.  Remember everything you eat is going to your baby.  You want your baby to be as healthy as possible.

Vitamins

     It is important that you get a prescription for prenatal vitamins.  Your need for folic acid, calcium, and iron will increase.  They are important for proper fetal growth.  Do not take any vitamins without the consent of your doctor.  It is dangerous for you and your baby to overdose on particular vitamins.

Exercise

      Exercising while pregnant is important to keep you healthy and feeling good.  If you spend all day sitting around, you are going to feel the pregnancy more and are more likely to gain more weight and become increasingly uncomfortable.  You should consult your doctor about an appropriate amount of exercise, because all women are different and their pregnancies are different.  With some health conditions, you may not be able to do much exercising. 

     Walking is great exercise and can be done every day.  This is something you can do with your partner.  Contact exercise is not something you should be doing.  Stretching is also a good idea.  Any way that you can keep your body moving will help you both during the pregnancy and then after the pregnancy trying to get back to yourself.  

 

Sleeping

      Sleeping is definitely an issue during pregnancy.  At the beginning of my pregnancies, I found myself very tired in the afternoons.  Of course I was working, so I didn't have the opportunity to to take a nap, but if you do have the opportunity, take one.  It will help you tremendously.  Sleeping at night is not ideal during pregnancy.  First, you will find that you have to urinate frequently.  As your pregnancy goes on, you will also find it increasingly difficult to sleep due to having the shape and size of a basketball attached to your stomach.  Doctors advise you to sleep on your side facing left, because this is the best position for the health of the baby.  Well, if you don't normally sleep on your left side, this is a challenge, and you may find yourself having a hard time both falling asleep and staying asleep.  I guess I should say that you should get used to this.  I think that between the discomfort sleeping and having to urinate often that this is nature's way of getting you used to not sleeping at night, since when your baby comes home, your baby will get up every three hours or so for feeding.  One other thing you may have difficulty with is leg cramps.  There were a few occasions when I woke up in the middle of the night with leg cramps so bad that my leg was paralyzed with the cramp and my husband had to help rub it out.  Doctors have several suggestions for this problem.  First, you should exercise and stretch your legs before going to sleep.  Second, you should try to put your feet up as much as possible during the day.  Third, be sure to drink enough fluid through the day, at least 8 glasses.  Finally, you need to make sure that you are getting enough calcium and magnesium. 

Avoiding Cigarettes and Alcohol
     None of us are living under a rock and can claim that we do not know the negative health effects of smoking.  I implore you, please do not smoke while you are pregnant.  I understand that it is your legal right and you can do to your body as you choose, but you are harming your baby if you smoke.  The nicotine, carbon monoxide and other poisons you are inhaling go directly into your bloodstream and to your baby, so your baby is smoking too.  Here are some of the facts.

• Smoking during pregnancy will lower the amount of oxygen your baby has available.
• Smoking will increase your baby's heart rate.
• Smoking while pregnant will increase the chances of stillbirth and miscarriage.
• Smoking while pregnant will increase the chan ce that your baby is born with low birth weight or premature.
• Smoking will increase your baby's chance of developing lung problems. 
• There is no safe level of smoking.  It all hurts your baby.

     Secondhand smoke is also dangerous to your baby.  This smoke actually contains more harmful substances than the smoke that the inhaler of the cigarette takes in.  If you are expos ed to secondhand smoke, you are increasing your baby's risk of developing heart disease, emphysema, allergies, asthma, lung cancer, and other health problems.  This also leads to your baby being at higher risk of SIDS, or Sudden Infant Death Syndrome.  If someone in your family smokes, get away from them or have them leave.  There is no excuse for endangering the health of your baby.

Alcohol:

      Did you know that alcohol is actually the leading known preventable cause of mental as well as physical birth defects in the United States?  Well, if you didn't know, now you do.  When a woman drinks alcohol while she is pregnant, she is risking giving her baby mental and physical disabilities that he will pay for for the rest of his life.  As many as 40,000 babies are born each year in the United States with some type of alcohol related damage.

     Fetal alchohol syndrome is preventable.  It has a number of symptoms, including distinctive facial features, such as small eyes, very thin upper lip, and upturned nose, heart defects, slow physical growth, vision or hearing difficulties, small head circumference and small brain size, poor coordination, learning disabilities, mental retardation, hyperactivity, poor impulse control, nervousness, anxiety, and more. 

     It is not safe for you to drink while you are pregnant, and this includes any type of alcohol.  Don't do it.  Your child will pay for it for the rest of his life and you will pay for it in guilt because you were responsible for it.

 

Get Proper Prenatal Care

    As soon as you suspect that you are indeed pregnant, you need to contact your OB/GYN.  While home pregnancy tests are usually pretty accurate, your doctor will need to take a urine sample just to be sure.  Once it has been determined that you are with child, your doctor will need to prescribe prenatal vitamins for you and advise you about your pregnancy.  You will begin to see your OB doctor on a regular basis.  This is typically once a month for the first five months, then twice a month for months six, seven, and eight, and once a week for the last month of your pregnancy.  Getting regular prenatal care is extremely important.  This care not only includes checking on your health, but on the health of the baby.  You may suffer from a condition or your baby may suffer from a condition that you would never know about if you do not have prenatal care.  With prenatal care, you can get the proper treatment.  This prenatal care also includes ultrasounds to check the baby's size, weight, overall health, and sex.  Your doctor will likely take a urine sample at each visit to check hormonal levels This may also include stress tests for the mother and blood sugar tests to check for gestational diabetes.  The point is, without proper prenatal care, you still have a condition or the baby does, you just aren't getting treatment for it. 

Take the Time to Include Your Partner
     Yes, I know we like to remind our spouses that we are the ones carrying the baby and deserve special treatment, and this is indeed true, but remember to keep your spouse in the loop.  You want this pregnancy to be something to be shared between you and your partner, not something to divide you.  Take time to spend together throughout your pregnancy.  Let your husband feel the baby's kicks.  Invite him to your appointments and see if he wants to go.  Some men like to be super involved in every aspect, some don't.  If yours doesn't, this doesn't mean he doesn't care or doesn't want the baby.  He may just trust you do deal with it.  Also, try not to obsess over the baby.  He will want to know what is going on, but he is not going to want to hear about it 24 hours a day, so remember that you still have a life as a couple.  The next few months will be a challenge, and you will need to be a team. 

     If this is not your first pregnancy and you have another child or children, please remember that child's feelings.  He or she may feel jealous or left out.  Keep in mind that they did not choose to be an older brother or sister and may have feelings of resentment.  This is perfectly natural, and they will come around. 

   

In closing, some women absolutely love pregnancy, while others can't wait to be finished.  A lot of this depends on the experience you have, and this varies greatly not only from woman to woman, but also from pregnancy to pregnancy.  Having a baby and raising a child will be the most challenging thing you ever do in your life, but also the most important and the most rewarding.  

 

Enjoy.